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Capital One Venture X: 90,000 Point Bonus
Capital One Venture X is offering 90,000 miles after $4,000 in spend within the first three months, use this link
https://applynow.capita
$395 Annual fee, not waived for first year
https://applynow.capita
$395 Annual fee, not waived for first year
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234 Comments
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Same! Dang it!
I just called Capital One and they refused to match the offer because it's not advertised on their website. Is the offer from a 3rd party?
"
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Transfers 21.99%, 25.99% or 28.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate."
Worth every $395.
100k when it first came out but you gotta spend $10k.
Also tried by wife, who is also 800+ and she got the same three cards. Ran my mom who is close to 800 and same thing.
When i tried I got:
We are sorry...We weren't able to complete your request at this time. Rest assuredāyour credit score wasn't impacted. While we get our pre-approval tool back up and running, feel free to explore our whole suite of cards.
Have 800+ score but don't want to waste a credit pull.
Not everyone carries a balance. Assuming you have the card for just one year, I'd argue the other way and say most likely credit score goes up. I churn cards quite a bit and everytime I cancel a card I usually see a small lift in my score. For a few months last year my score sat at 850 fico. Opening and closing cards really doesn't impact your score like most think.
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The key point here is that you churn cards quite a bit and likely have many open. If you have an established history with many data points, of course closing one may not have a strong effect on lowering your overall score.
Closing an account will:
Remove that line of credit from your overall credit total (thereby increasing utilization)
Remove that history of payments made and lifespan of the card (decreasing or increasing avg. account history, as you said)
Potentially reduce "Credit Mix"
For most people that's enough to do some serious damage.
What cards can you downgrade to later if I find I cannot justify the annual fee?
Went to the 90k link from this deal & was approved.
The $300 travel credit may sound impressive, but you have to use it by booking with their third party travel agency.
Anyone who has traveled a lot knows that this is just asking for trouble!
If there are any flight irregularities, you're generally screwed, because the airline basically tells you to GFY and deal with the travel agency where you bought the ticket, and the travel agency reps in who-knows-where are often just not empowered to actually help you rebook.
And for third party hotel bookings, they're a bit less risky, but you also generally forfeit any hotel points and status benefits.
So in the end, friends generally don't let friends book travel with agencies, making this card not that great of a deal unfortunately.
Rest assured, the form you submitted was not a credit card application and your credit score was not affected.
Here are the reasons why we couldn't match you with an offer:
Based on your Pre-Approval form information, there is a currently pending or recently processed application with Capital One
Please make sure to save and/or print this notice for your records as it may not be available after this page expires or if you navigate to another page. For your security, this page will expire after 20 minutes of no activity.
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you with new products and services in the future.
Creditor: Capital One, N.A. P.O. Box 30280, Salt Lake City, UT 84130-0230
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Yeah their policy is 90 days btw credit card